Utilities

Utilities — Spending thousands on electricity, gas, water or internet?

Most businesses spend thousands of dollars a year on utilities—electricity, gas, water, internet, phone systems, waste services and more. These are essential monthly expenses that usually get paid straight from your bank account… earning you nothing in return. With RewardPay, you can pay these same bills using your credit card, even if your utility provider only accepts bank transfers—and earn points on every payment.

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How it works

Payroll

Utilities

Whether you’re running a shop, office, factory, medical practice, construction company, restaurant, warehouse, farm, or anything in between—you likely have Utility expenses like electricity, gas, telephone, waste, local council and more. Every one of these purchases can earn valuable credit card reward points. Those points can quickly add up to business‑class flights for you and your family, simply by being smarter about how you pay for the things your business already needs.

For example

A business spending NZ$150,000 a year on utilities could put this through RewardPay using an American Express Platinum Card.

At 2 Membership Rewards points per NZ$1, that’s up to 300,000 Membership Rewards points annually — turning essential business expenses into rewards for flights, hotel stays and travel experiences through RewardPay partners.*

Estimated American Express Membership Rewards Points After 12 Months*

300,000

*Estimated points are illustrative only and correct at time of writing. Actual points earned may vary depending on your Card type, eligible spend, and American Express terms and conditions. Flight redemption estimates are indicative only and subject to airline rewards pricing and availability.

Bali

2-Night Luxury Stay at Kappa Senses Ubud

170,000 Luxury Escapes Société Points

Los Angles

Los Angeles

Return Business Class Flight

6,000 Koru Airpoints™

France
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward points

Tokyo

Tokyo

Return Business Class Flight

6,500 Koru Airpoints™

Bali

2-Night Luxury Stay at Kappa Senses Ubud

170,000 Luxury Escapes Société Points

Los Angles

Los Angeles

Return Business Class Flight

6,000 Koru Airpoints™

France
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward points

Tokyo

Tokyo

Return Business Class Flight

6,500 Koru Airpoints™

How to Pay for Utilities Costs with a Credit Card and Earn Points

Paying business expenses like utilities with your credit card via RewardPay will allow you to earn points on necessary spend.

Step 1

Add your payment information as detailed on your invoice

Step 2

Select your payment method (Amex or Pay by Bank)

Step 3

RewardPay pays the supplier on your behalf

Step 4

Your start earning points

Step 5

Receive confirmation and remittance for your accounting records

Step 1

Add your payment information as detailed on your invoice

Step 2

Select your payment method (Amex or Pay by Bank)

Step 3

RewardPay pays the supplier on your behalf

Step 4

Your start earning points

Step 5

Receive confirmation and remittance for your accounting records

Pay using RewardPay now

Why Use RewardPay for Utilities and other business expenses?

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Unlock Significant Rewards Value

Every dollar you spend on your Utility costs and other business expenses is a dollar that could be earning you rewards points. Unlike paying direct from your bank account, where you receive nothing in return, using a credit card through RewardPay converts your business spend into points that can be redeemed for flights, hotel stays, gift cards and more. For a business paying $100,000 annually in combined utility, tax, rent and other business expenses, this could mean earning enough points for a return international business class flight—value that would otherwise be left on the table.

Improve Cashflow

Improve Cashflow

Credit cards provide a crucial buffer between when your bills are due and when you actually need to settle the payment. With up to 55 days interest-free (depending on your card's billing cycle), you can pay your everyday business payments while keeping your business or personal cash available for urgent expenses, taking advantage of investment opportunities, or waiting for customer invoices to be paid. This short-term financing is provided at no interest cost, unlike a traditional business loan or overdraft facility.

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Double up on Points. Unlock more Value

Go beyond your credit card rewards. With RewardPay, you can top up your Partner Points on every business payment you make. Choose to earn extra Qantas Points, Velocity Points, or ALL Accor Points—exactly when you need them—to secure a business or first‑class flight, or a luxury hotel stay for yourself, your family, or your team. You’re not limited to just one rewards partner. With RewardPay, you can boost points across all three programs with every eligible payment and truly maximise your rewards.

RewardPay helps you earn rewards on the essential utilities that keep your business running—so you get something back for your hard work.

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Platform & Processing Considerations

  • Fees

    Typically 1.67%–2.35% depending on card type

  • Compliance

    RewardPay is regulated and provides full audit trails

  • Eligibility

    Invoice must be legitimate and payable to an NZBN-registered supplier

  • Payment Speed

    Typically next business day, depending on cut-off times

RewardPay offers flexible payment options

Choose RewardPay Pricing that fits your business

Pick a plan to unlock better rates and earn more points on every payment.

Free

$0/month

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Platform FeesFrom

  • AMEX non-govt fee of

    2.35%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

Learn more

Silver

$85/month*

Get Started
Platform FeesFrom

  • AMEX non-govt fee of

    2.25%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

Learn more

Gold

$165/month*

Get Started
Platform FeesFrom

  • AMEX non-govt fee of

    2.10%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

Learn more

Add on rewards partner points

Koru Airpoints1 point per $200(0.60% + GST)1 point per $100(1.15% + GST)1 point per $50(2.30% + GST)1 point per $25(4.55% + GST)
allALL Accor Reward Points1 point per $2(1.99% + GST)1 point per $1(3.99% + GST)
Luxury Escapes Société Points 3 points per $1(1.99% + GST)6 points per $1(3.99% + GST)

*Quarterly billing in advance • No early exit • Cancel anytime, access until current quarter ends • ^First 30 days free – new sign-ups only •
†Minimum rate based on loyalty partner selected at checkout.

Why RewardPay?

RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.

Celebrating 10 Years
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Long‑standing,
Proven Partnership

A decade‑long partnership with American Express, now operating across both Australia and New Zealand.

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Trusted by Leading Global Payment and Loyalty Brands

RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Air New Zealand, Accor and Luxury Escapes.

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Secure, Bank‑Grade
Payment Infrastructure

RewardPay processes millions of dollars in business payments every month through a PCI‑compliant, encrypted platform, ensuring safe, fast, fraud‑resistant transactions for businesses of all sizes.

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Payment solution built for small business, best in class, local support team

RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with a friendly support team always ready to help.

Rewards you can earn by paying utilities with your credit card

For businesses spending $1,000+ per month on Utilities, this can translate into tens of thousands of dollars in annual value.

Flights

Redeem points for flights with loyalty partners including Air New Zealand.

Hotels

Redeem points on hotel stays with loyalty partners including ALL Accor Reward Points and Luxury Escapes Société Points.

Gifts

Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts

Merchandise

Upgrade your home, office or both using rewards earned from business payments made through RewardPay.

reward pay

Frequently asked questions

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Yes. RewardPay supports business related utility payments including electricity, gas, water, phone and internet. Many utility providers do not accept credit cards, but with RewardPay you can pay by Amex or Pay-by-Bank and opt in to earn loyalty points in the process. Your utility provider receives a standard bank transfer into their New Zealand bank account.

Yes. Amex payments earn your card’s standard Membership Rewards points on every dollar. On any payment method, you can also opt in to earn additional rewards with one or more of our loyalty partners by selecting your preferred earn tier at checkout (additional fees apply).

 

 

From the RewardPay portal, go to the Payees menu and click Add Payee. Enter your utility provider’s NZBN and their New Zealand bank account number, along with your account number as the payment reference. Once saved, they will appear in your payee list for future bills.

Rewarding New Zealand businesses every day

Trusted by 10,000+ business owners
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peoples

We pay all of it on the Amex card, so you’re getting a reward back by getting the points

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Nelly

Hospitality

I can pay any of my suppliers even the ones that don’t accept American Express.

Dave

Property

Through using rewardpay, I’ve earned about 3 million points

Luciano
Luciano

Manufacturing

The main reason for using RewardPay is for cashflow, points are just the perk.

Antonio Macri
Antonio

Construction